Minimum car insurance in Montana.
What Montana requires, in plain words, and why the minimum may not be enough.
The minimum limits
In Montana, the minimum liability limits are written 25/50/20 (in thousands): $25,000 for injury to one person, $50,000 for injury to everyone in one accident, and $20,000 for property damage.
How the system works
Montana is generally an at-fault (tort) state, so the driver who causes a crash is responsible for the other party’s losses. That is why liability limits matter so much.
Tort (at-fault) state. No other coverage required.
What the minimum means in practice
Say a crash you cause injures three people. The Montana minimum pays at most $25,000 to any one of them and $50,000 in total, shared between all three. Any medical bills above that could become your responsibility. Property damage stops at $20,000.
If you drive without insurance in Montana
The fine is $250 to $500 for a first offense, $350 for a second, and $500 (or up to 10 days in county jail, or both) for a third or later offense. After a second conviction the registration is suspended, and after a fourth the driver's license is suspended until proof of compliance is furnished (MCA 61-6-304).
Proof of insurance
Owners and operators must keep an insurer-issued insurance card, or a device displaying an insurer-issued electronic document, in the vehicle and show it on request of an officer or judge.
Also worth knowing in Montana
A prior conviction counts for sentencing if less than 5 years passed since it, and after conviction an offender may get a restricted registration receipt limiting the vehicle to employment use.
Your state regulator
Montana Commissioner of Securities and Insurance is the official place for consumer questions and complaints about insurers.
Sources we checked (October 2026)
Requirements change. We checked the pages below. Confirm with your state insurance department or an agent.
Questions
Is Montana a no-fault state?
Montana is generally an at-fault state.